credit risk manager

EMKAN | إمكان

<div>
 
 Job Brief:
 
 
 To identify and manage credit risks. To develop and implement of a comprehensive and effective credit risk management framework that meets established internal standards, aligns with industry best practice and Ekman&rsquo;s risk profile. To support credit strategy implementation through development of policy, monitoring and forecasting credit portfolio risk.
 
 
 Job Responsibilities:
 
 <ul>
 <li>
 Develop the annual business plans for the department ensuring alignment to the function&rsquo;s strategic plan.
 </li>
 <li>
 Contribute to the formulation and implementation of the strategy in line with EMKAN&rsquo;s vision, mission and Business Focus Areas.
 </li>
 <li>
 Report on the progress of activities against the annual business plans, opportunities, challenges and issues faced, mitigations taken, etc. as required, to facilitate informed decision-making.
 </li>
 <li>
 Build and lead a motivated, engaged and competent manpower throughout the division, by setting priorities and objectives, managing performance, and providing ongoing feedback and coaching to meet the departmental challenges and goals.
 </li>
 <li>
 Serve as a role model for the Credit Risk to ensure employees awareness and commitment to EMKAN&rsquo;s vision, mission, values, EMKAN fundamentals and corporate strategy to establish a highly engaged and motivated manpower, and continuously improve performance.
 </li>
 <li>
 Manage Credit Risk staff and teams by overseeing their performance management, recruitment, training and development to ensure high levels of engagement and competence and motivated work environment.
 </li>
 <li>
 Manage employee performance and development by assigning individual performance targets and development objectives at least on an annual basis.
 </li>
 <li>
 Direct and supervise the activities and work of subordinates by providing formal and informal feedback regularly and on a timely basis, to ensure that all work is carried out in an efficient manner and in accordance with set individual targets
 </li>
 <li>
 Recommend an optimum organization structure for the Credit Risk in coordination with the Human Resource Department, to ensure efficient and effective workflow of operational processes and optimal utilization of resources.
 </li>
 <li>
 Collaborate with Human Resource department in development of business unit&rsquo;s manpower plan to ensure timely and best-of-class delivery of tasks.
 </li>
 <li>
 Prepare and recommend the department&rsquo;s budget in alignment to the respective annual business plan.
 </li>
 <li>
 Oversee costs and activities are monitored on a regular basis highlighting any relevant opportunities and issues, to facilitate appropriate decision-making in line with changing priorities.
 </li>
 <li>
 Manage the implementation and contribute towards the development of Credit Risk policies, systems, processes, procedures and controls covering all areas of the function so that all relevant procedural/legislative requirements are fulfilled while delivering a quality, cost-effective service in a consistent manner.
 </li>
 <li>
 Manage the continuous improvement of existing policies, processes and procedures to drive incremental benefits through efficiencies and better insights and analysis.
 </li>
 <li>
 Build high levels of trust and understanding with internal and external stakeholders to promote full compliance with industry regulations and promote broader understanding of EMKAN interests and practices.
 </li>
 </ul>
 
 Qualification and Experience:
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Business Administration, or any other relevant field (Master&rsquo;s degree is preferred).
 </li>
 <li>
 Minimum of 10-12 years of relevant experience in Credit Risk Function.
 </li>
 </ul>
</div>

Credit Risk Senior Manager

Harnham - Data & Analytics Recruitment

COLLECTIONS STRATEGY MANAGER LONDON- HYBRID UP TO £100,000 This fast-growing FinTech is on the hunt for a Collections Strategy Manager to help shape how they engage with customers and recover debt THE ROLE As Collections Strategy Manager, you'll sit at the heart of commercial decision-making - bridging credit risk, data, and operations. You'll be responsible for designing, testing, and implementing collections and recoveries strategies that balance performance with customer experience. You'll work closely with data scientists, product managers, and credit teams to: <ul> <li>Build, monitor, and evolve collections strategies and segmentation models</li><li>Use data and MI to identify performance trends and improvement opportunities</li><li>Develop and test new contact strategies across digital and traditional channels</li><li>Partner with analytics and engineering teams to enhance automation and decisioning tools</li><li>Support regulatory compliance (CONC, FCA) while driving commercial outcomes</li></ul> REQUIREMENTS <ul> <li>Proven experience in collections or recoveries strategy (ideally in consumer lending, auto finance, or FinTech)</li><li>Strong understanding of credit risk lifecycle and performance metrics</li><li>Proficiency with SQL / SAS / Python (hands-on analysis experience)</li></ul>

Collections Strategy Manager

Rentokil Initial

<div>The credit control manager will manage the credit control function to ensure timely collection, consistent application of credit standard operating procedures (SOP), and accurate assessment of the creditworthiness of existing and potential customers. Moreover, he/she:<ul><li>
Provides the team with adequate training, coaching and mentoring in order to develop their conceptual collection skills, ensure development and proper career paths;</li><li>
Organizes and staffs the team with adequate resources and talent in order to achieve the desired levels of organisational excellence;</li><li>
Ensures reconciling top customers as per the SOP in order to maintain healthy receivables and to avoid any discrepancy with the customers' accounts;</li><li>
Ensures that the contract to cash receivables and credit control SOP is implemented and abided by;</li><li>
Manages and solves all the customers' issues in order to maintain a win-win situation and a good relationship with them;</li><li>
Follows up with the sales and operations teams to proceed all pending credit notes in order to avoid delay in issuing the invoices;</li><li>
Submits all required daily, monthly and quarterly reports assigned by the finance manager or any external governmental ministries;</li><li>
Carry out annual credit risk evaluation to map the credit and risk profile of customers so that actions can be taken to minimize risk.</li></ul>
Requirements:<ul><li>
BA degree in Accounting, Finance, Business Administration or any relevant field</li><li>
10 years of commercial experience.</li><li>
Proficiency in English and Arabic with excellent verbal and written communication skills</li><li>
Effective decision making and problem-solving skills</li></ul></div>

Credit Control Unit Manager

<div>The credit control manager will manage the credit control function to ensure timely collection, consistent application of credit standard operating procedures (SOP), and accurate assessment of the creditworthiness of existing and potential customers. Moreover, he/she:<ul>
<li>
Provides the team with adequate training, coaching and mentoring in order to develop their conceptual collection skills, ensure development and proper career paths;</li>
<li>Organizes and staffs the team with adequate resources and talent in order to achieve the desired levels of organisational excellence;</li>
<li>Ensures reconciling top customers as per the SOP in order to maintain healthy receivables and to avoid any discrepancy with the customers' accounts;</li>
<li>Ensures that the contract to cash receivables and credit control SOP is implemented and abided by;</li>
<li>Manages and solves all the customers' issues in order to maintain a win-win situation and a good relationship with them;</li>
<li>Follows up with the sales and operations teams to proceed all pending credit notes in order to avoid delay in issuing the invoices;</li>
<li>Submits all required daily, monthly and quarterly reports assigned by the finance manager or any external governmental ministries;</li>
<li>Carry out annual credit risk evaluation to map the credit and risk profile of customers so that actions can be taken to minimize risk.</li>
</ul>
Requirements<ul>
<li>
BA degree in Accounting, Finance, Business Administration or any relevant field</li>
<li>10 years of commercial experience.</li>
<li>Proficiency in English and Arabic with excellent verbal and written communication skills</li>
<li>Effective decision making and problem-solving skills</li></ul></div>

Human Capital HR Solutions

Job DescriptionThe Credit Analyst will be responsible for assessing the creditworthiness of customers, analyzing financial data, enforcing internal credit policies, supporting field teams, and preparing credit performance reports. The role requires strong analytical skills, attention to detail, and thorough knowledge of credit processes, compliance, and financial evaluation.Key Responsibilities<ul><li>Evaluate financial statements and assess creditworthiness of businesses and individuals.</li><li>Manage credit risk and ensure compliance with regulatory requirements.</li><li>Support credit strategies and provide guidance to field teams.</li><li>Enforce internal credit policies and maintain adherence to SLAs.</li><li>Review, analyze, and approve credit applications within defined limits.</li><li>Collaborate with business teams to balance growth and risk management.</li><li>Prepare regional credit performance and trend reports.</li><li>Apply financial analysis and risk assessment skills effectively.</li><li>Maintain updated knowledge of credit policies, collections, and recovery processes.</li></ul>Requirements<ul><li>Experienced Candidates: Up to 3 years of experience in credit, finance, or risk roles within the financial sector.</li><li>Fresh Graduates: 16 years of education in Business, Finance, Accounting, or related fields from an HEC-recognized institution.</li></ul>Skills Required<ul><li>Strong financial analysis and credit assessment skills</li><li>Risk management and compliance understanding</li><li>Knowledge of lending policies and credit procedures</li><li>Reporting, documentation, and analytical skills</li><li>Good communication and stakeholder coordination</li><li>Proficiency in MS Office (Excel, PowerPoint, Word)</li></ul>How to ApplyInterested candidates may send their resumes to: careers1.hc@gmail.com CC: careers@humancapitalintl.comFollow Our Social Accounts for the Latest Job Opportunities!<ul><li>Instagram: https://www.instagram.com/humancapitalhrsolutions/</li><li>LinkedIn: https://www.linkedin.com/company/human-capital-hr-solution/</li><li>Facebook: https://www.facebook.com/humancapitalhrsolution/</li></ul>Job Type: Full-timeWork Location: In person

Credit Analyst / Credit Risk Management | Financial Sector

Citi

<div>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
ICG Risk Analysis (IRAUs) is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. The IRAU&rsquo;s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICG Risk and Banking, Capital Markets and Advisory&rsquo;s (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICG.
ICG Risk Analysis Credit Risk Associates are responsible for a portfolio of ICG Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews and Stress Testing.
This role has responsibility for the portfolio of Transportation and Industrial relationships and the role reports directly to the ICG Risk Analysis (IRAU) Natural Resources Credit Risk UW manager.
In this role, you&rsquo;re expected to:<ul><li>
Assess the credit and financial strength of Citi&rsquo;s most complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li><li>
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi&rsquo;s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite</li><li>
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and BCMA partners</li><li>
Reviewing and providing recommendation on the risk raking across this sector</li><li>
Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios</li><li>
Support ICG Risk Analysis Voice of the Employee (VOE) initiatives</li><li>
Travel (less than 10%)</li></ul>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:<ul><li>
Demonstratable financial services experience, including 3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>
Strong knowledge of Wholesale Credit Processes and organizational awareness including IRAU functions, covered portfolios, and processes</li><li>
Sound understanding of policies and procedures with the ability to execute change seamlessly</li><li>
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks</li><li>
Solid and thorough knowledge of Citi&acute;s systems</li><li>
Experience in preparing presentations for seniors</li><li>
Full awareness and adherence to the control environment including Quality Assurance and Quality Control</li><li>
Assists colleagues in identifying stretch opportunities to elevate individual and team performance</li><li>
Coach and mentor analysts to develop team strengths and improve weaknesses</li><li>
Proven culture carrier</li><li>
Well-developed interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li><li>
Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively</li><li>
Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li><li>
Good Microsoft Office (Word, Excel, and PowerPoint) skills</li></ul>
Education:<ul><li>
BA/BSc or higher degree in Business (MBA), or any other related subject</li></ul>
Take the next step in your career, apply for this role at Citi today
https://jobs.citi.com/dei
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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Job Family Group:
Risk Management
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Job Family:
Credit Risk
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Time Type:
Full time
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Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Senior Credit Risk Analyst

Key Responsibilities:<ul><li>Evaluate financial data and assess creditworthiness of businesses or individuals</li><li>Manage credit risk and ensure regulatory compliance</li><li>Support credit strategies and guide field teams for aligned growth</li><li>Enforce internal credit policies and Service Level Agreements (SLAs)</li><li>Assess credit applications and determine appropriate limits</li><li>Collaborate with business teams to balance risk and growth</li><li>Prepare reports on regional credit performance and trends</li><li>Apply financial analysis and risk assessment skills</li><li>Maintain expertise in credit policy, collections, and recovery processes</li></ul>Requirements:<ul><li>Experienced: Up to 3 years in a similar role within the financial sector</li><li>Fresher: 16 years of education / Degree in Business, Finance, Accounting, or a related field from an HEC-recognized institution</li></ul>How to Apply:<ul><li>Interested candidates are encouraged to send their resumes to:</li><li>careers1.hc@gmail.com</li><li>CC: careers@humancapitalintl.com</li></ul>Follow Our Social Accounts for the Latest Job Opportunities!<ul><li>Instagram: https://www.instagram.com/humancapitalhrsolutions/</li><li>LinkedIn: https://www.linkedin.com/company/human-capital-hr-solution/</li><li>Facebook: https://www.facebook.com/humancapitalhrsolution/</li></ul>Job Type: Full-timeWork Location: In person

Credit Analyst / Credit Risk Management

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